Sunday, June 29, 2008

Chase VISA sucks.

A little change of pace today, if you don't mind indulging me.

We've had a Chase VISA card for going on some umpteen years - i.e. FOREVER. We always pay the balance each month, never pay late, and use our card a lot, so you can't tell me Chase isn't making money off our business through the fees they're charging the companies that accept our card.

So I would welcome any explanation that makes sense of why, over the past two years, our card has been declined - on a regular basis. We're not even remotely close to our credit limit. I won't bore you with the details, but let me tell you the declined charges have caused a great deal of embarrassment to such boringly solid citizens as ourselves. It's a good thing for us that my husband carries an American Express card through his office.

This declining purchases thing happened last fall, when I foolishly ventured out-of-state to help my daughter move her belongings to grad school. I happened again this past April, when we once again - foolishly, it seems - went to visit her. It happened again last week, when I was buying some bathroom items for our renovation project. It happened again today. Each time I call, they clear the card and apologize - weakly - but then it happens again. When I called today to complain, the woman on the line said, "We're just looking out for you." Yeah, right. Since Chase is on the hook for purchases made on stolen cards, if you buy that, I have a bridge I can sell you cheap.

I'm forced to conclude that Chase no longer wants our business. Perhaps since we don't rack up huge finance charges we're not worth their while.

What I'm curious to hear is, are other people experiencing this kind of harassment? From Chase - or from other banks? Is this some new form of customer disservice we can expect to see more of in the future? Why bother to issue credit cards if you don't want to allow people to use them?

81 comments:

I think you are right about the fact that you pay on time and don't rack up the "charges" which is what these companies really want you to do. Credit card companies just want to make as much out of you as they can no matter how much bad debt people end up with as a result. They never say that they think you might be spending to much..nope they just increase your limit!

I think it's their fraud-detection department out of control. The fact that you're out of state probably sets up a red flag. My small local bank told me recently to warn them if I travel abroad (as if. . : ( ), so that they won't be alarmed if I use an ATM there. . Next time you visit out of state, you might warn Chase ahead of time.

I think you're both right - a friend at work told me the other day, though, that of all the credit cards he owns (and he's a pay-off-the-balance guy too) the only one that's given him this particular problem is Chase.

He thinks they did something to "tweak" their fraud-detection software that resulted in this sort of behavior. It's been quite an experience. I just applied for a card through my bank, and as soon as I get the new one I intend to never use the Chase card again.

The weird thing is, my daughter and younger son both have cards on the same account, both travel all the time (in fact, my daughter LIVES in another city), and their charges have never been questioned.

I've had a Chase VISA account for many years. Twice in the last year, they charged me $39 plus a finance charge due to "late payment." In both instances, I had mailed Chase a check for the full balance two weeks before it was due, but Chase did not post the check until after the deadline. The second time they would not reverse the late fee. What a scam. Avoid Chase VISA.

Thanks for posting this... same exact problem here. We pay our Chase Visa in full every month, but the card is regularly declined for "security reasons". Calling them has become a nightmare of transfers, disconnections, disaffected foreign workers, etc. Avoid Chase like the plague.

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